Placer County, California, a core county of the Sacramento-Roseville, CA market, holds $13.6B in deposits across 26 insured institutions and 69 branches. Wells Fargo Bank, National Association is the largest deposit holder at 20.9% share. The top three banks hold 51% of deposits, which places the county in the Moderate band. Deposits have grown 1.0% since 2020 while the branch count fell by 20.7%. It produces $26.8B of output, ranking #177 of the 1,523 ranked counties by economic output.
Ranks show where the county stands among the 1,523 ranked counties (those within a Combined or Metropolitan Statistical Area that have a branch). They describe relative position, not a rating of market quality or suitability.
Deposit trend
Branches: 87 in 2020 to 69 in 2025. Institutions: 25 to 26. Top-three share: 55% to 51%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Wells Fargo Bank | $2.8B | 20.9% | -24% |
| Bank of America | $2.1B | 15.8% | +5% |
| JPMorgan Chase Bank | $2.0B | 14.8% | +65% |
| Five Star Bank | $1.6B | 11.7% | +126% |
| U.S. Bank | $1.3B | 9.3% | +17% |
| Umpqua Bank | $1.1B | 8.1% | +92% |
| Tri Counties Bank | $393M | 2.9% | +45% |
| Mechanics Bank | $368M | 2.7% | -77% |
| BMO Bank | $236M | 1.7% | -42% |
| First Northern Bank of Dixon | $202M | 1.5% | -9% |
| PNC Bank | $181M | 1.3% | +86% |
| First Bank | $154M | 1.1% | +5% |
| First-Citizens Bank & Trust Company | $145M | 1.1% | +112% |
| First Foundation Bank | $133M | 1.0% | -19% |
| Poppy Bank | $122M | 0.9% | +172% |
| Plumas Bank | $117M | 0.9% | +56% |
| Community West Bank | $115M | 0.8% | +8% |
| River Valley Community Bank | $76M | 0.6% | +93% |
| River City Bank | $70M | 0.5% | -2% |
| EverBank | $70M | 0.5% | no 2020 presence |
| Banner Bank | $69M | 0.5% | +2% |
| Bank of Marin | $47M | 0.3% | no 2020 presence |
| Exchange Bank | $42M | 0.3% | -26% |
| El Dorado Savings Bank, F.S.B. | $38M | 0.3% | -1% |
| Citizens National Bank of Texas | $33M | 0.2% | no 2020 presence |
| Oak Valley Community Bank | $14M | 0.1% | no 2020 presence |
The 26 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2025. Five-year change compares the same institution’s county deposits in 2020 and 2025. Institutions are tracked by FDIC certificate number, and where an institution acquired another bank, the acquired bank’s prior deposits are folded into the baseline so the change reflects the combined, continuing franchise rather than reading as new. “No 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year. Deposit figures are nominal and are not adjusted for inflation.
Part of the Sacramento-Roseville market
Placer County is one of 7 counties that make up the Sacramento-Roseville, CA market, a Combined Statistical Area (ranked #32 of 293 U.S. markets by economic output). It produces 15.7% of the market’s output and holds 13.5% of its deposits.
| Measure | Placer County | Share of parent market |
|---|---|---|
| 2024 GDP | $26.8B | 15.7% |
| Deposits | $13.6B | 13.5% |
| Population | 442,081 | 16.0% |
View the full Sacramento-Roseville market profile →
Recruiting in Placer County
Deposits are split among a moderate number of institutions. Who holds the deposits, and how contested the market is, shapes both the runway for growth and the competition you would be recruiting against. We recruit commercial relationship managers, banking teams, and market leaders for banks building in markets like Placer County.
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